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Member Education - Fraud Protection

Free Annual Credit Report

It's a smart idea to check your credit report from each of the three major credit bureaus for fraudulent activity at least once a year. Equifax, Experian, and TransUnion will provide you with a free copy of your credit report, at your request, once every 12 months.

These three national credit reporting agencies have established one central website, phone number, and mailing address to use for ordering your report. The credit bureaus will only provide the free annual reports through this central location and not through their individual websites, telephone numbers, or web addresses. Since you do not need to go through third party providers, be cautious of websites offering "free" credit reports.

For your free credit report, contact the Annual Credit Report Request Service:


Toll-Free Telephone

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Since you are entitled to one free annual report from each of the three bureaus, you can get them all at one time or stagger the requests throughout the year. If you request the report online, you should be able to view it immediately. Requests made by phone or mail will take approximately 15 days to process.

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